Pomanda estimates the enterprise value of FAIRLOAN LIMITED at £13.2m based on a Turnover of £9.7m and 1.36x industry multiple (adjusted for size and gross margin).
fairloan limitedEstimated Valuation
£33.5k
Pomanda estimates the enterprise value of FAIRLOAN LIMITED at £33.5k based on an EBITDA of £6.8k and a 4.94x industry multiple (adjusted for size and gross margin).
fairloan limitedEstimated Valuation
£1m
Pomanda estimates the enterprise value of FAIRLOAN LIMITED at £1m based on Net Assets of £832.3k and 1.23x industry multiple (adjusted for liquidity).
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Fairloan LimitedOverview
Fairloan Limited is a live company located in halstead, CO9 3BN with a Companies House number of 08135650. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in July 2012, it's largest shareholder is
joseph owen fairs
with a 100% stake. Fairloan Limited is a established,
mid sized company, Pomanda has estimated its turnover at
£9.7m with
rapid
growth in recent years.
Pomanda's financial health check has awarded Fairloan Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 1 areas for improvement. Company Health Check FAQs
Health Rating5out of 5
5 Strong
4 Regular
1 Weak
Size
annual sales of £9.7m, make it larger than the average company (£5.1m)
£9.7m - Fairloan Limited
£5.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 37%, show it is growing at a faster rate (6.8%)
37% - Fairloan Limited
6.8% - Industry AVG
Production
with a gross margin of 56.1%, this company has a comparable cost of product (56.1%)
56.1% - Fairloan Limited
56.1% - Industry AVG
Profitability
an operating margin of 0.1% make it less profitable than the average company (9.4%)
0.1% - Fairloan Limited
9.4% - Industry AVG
Employees
with 46 employees, this is above the industry average (12)
46 - Fairloan Limited
12 - Industry AVG
Pay Structure
on an average salary of £79.4k, the company has an equivalent pay structure (£79.4k)
£79.4k - Fairloan Limited
£79.4k - Industry AVG
Efficiency
resulting in sales per employee of £209.9k, this is equally as efficient (£213.2k)
£209.9k - Fairloan Limited
£213.2k - Industry AVG
Debtor Days
it gets paid by customers after 32 days, this is near the average (32 days)
32 days - Fairloan Limited
32 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Fairloan Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Fairloan Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 34 weeks, this is more cash available to meet short term requirements (28 weeks)
34 weeks - Fairloan Limited
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 11.4%, this is a lower level of debt than the average (69.3%)
11.4% - Fairloan Limited
69.3% - Industry AVG
FAIRLOAN LIMITED financials
EXPORT
Fairloan Limited's latest turnover from March 2024 is estimated at £9.7 million and the company has net assets of £832.3 thousand. According to their latest financial statements, we estimate that Fairloan Limited has 46 employees and maintains cash reserves of £72.1 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Mar 2014
Mar 2013
Turnover
9,655,758
4,657,491
4,349,771
3,770,413
3,991,538
3,642,471
7,884,594
7,749,559
7,289,312
6,885,988
22,326
5,027,877
Other Income Or Grants
Cost Of Sales
4,238,829
1,939,063
1,717,606
1,497,366
1,540,704
1,451,599
3,154,471
2,986,490
2,544,235
2,375,612
8,241
1,913,550
Gross Profit
5,416,929
2,718,428
2,632,164
2,273,048
2,450,834
2,190,872
4,730,123
4,763,069
4,745,077
4,510,376
14,085
3,114,327
Admin Expenses
5,410,152
2,693,465
2,600,073
2,319,467
2,421,018
2,178,171
4,701,319
4,763,034
4,737,089
4,493,273
-20,427
3,091,789
Operating Profit
6,777
24,963
32,091
-46,419
29,816
12,701
28,804
35
7,988
17,103
34,512
22,538
Interest Payable
Interest Receivable
3,409
2,133
469
64
45
206
114
90
187
230
135
1
Pre-Tax Profit
10,185
27,096
32,560
-46,355
29,862
12,907
28,917
125
8,175
17,333
34,647
22,539
Tax
-2,546
-5,148
-6,186
-5,674
-2,452
-5,494
-25
-1,635
-3,640
-7,969
-5,409
Profit After Tax
7,639
21,948
26,374
-46,355
24,188
10,455
23,423
100
6,540
13,693
26,678
17,130
Dividends Paid
Retained Profit
7,639
21,948
26,374
-46,355
24,188
10,455
23,423
100
6,540
13,693
26,678
17,130
Employee Costs
3,652,028
147,793
146,454
137,311
138,327
136,665
2,698,545
2,756,664
2,428,987
2,209,161
59,249
1,607,663
Number Of Employees
46
2
2
2
2
2
41
44
40
38
1
28
EBITDA*
6,777
24,963
32,091
-46,419
29,816
12,701
28,804
35
7,988
17,103
34,512
22,538
* Earnings Before Interest, Tax, Depreciation and Amortisation
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Mar 2014
Mar 2013
Tangible Assets
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
699,085
Total Fixed Assets
699,085
Stock & work in progress
Trade Debtors
867,523
886,850
880,805
794,318
788,775
763,067
789,345
769,825
749,396
734,350
722,652
Group Debtors
Misc Debtors
Cash
72,123
57,725
42,673
82,478
44,942
45,587
9,472
36,037
36,201
38,674
53,392
460
misc current assets
total current assets
939,646
944,575
923,478
876,796
833,717
808,654
798,817
805,862
785,597
773,024
53,392
723,112
total assets
939,646
944,575
923,478
876,796
833,717
808,654
798,817
805,862
785,597
773,024
752,477
723,112
Bank overdraft
Bank loan
Trade Creditors
8,169
5,482
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities
107,333
119,901
120,752
100,444
11,010
10,135
10,753
41,221
21,056
15,023
total current liabilities
107,333
119,901
120,752
100,444
11,010
10,135
10,753
41,221
21,056
15,023
8,169
5,482
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
total liabilities
107,333
119,901
120,752
100,444
11,010
10,135
10,753
41,221
21,056
15,023
8,169
5,482
net assets
832,313
824,674
802,726
776,352
822,707
798,519
788,064
764,641
764,541
758,001
744,308
717,630
total shareholders funds
832,313
824,674
802,726
776,352
822,707
798,519
788,064
764,641
764,541
758,001
744,308
717,630
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Mar 2014
Mar 2013
Operating Activities
Operating Profit
6,777
24,963
32,091
-46,419
29,816
12,701
28,804
35
7,988
17,103
34,512
22,538
Depreciation
Amortisation
Tax
-2,546
-5,148
-6,186
-5,674
-2,452
-5,494
-25
-1,635
-3,640
-7,969
-5,409
Stock
Debtors
-19,327
6,045
86,487
5,543
25,708
-26,278
19,520
20,429
15,046
35,265
-23,567
722,652
Creditors
-8,169
2,687
5,482
Accruals and Deferred Income
-12,568
-851
20,308
89,434
875
-618
-30,468
20,165
6,033
15,023
Deferred Taxes & Provisions
Cash flow from operations
10,990
12,919
-40,274
37,472
-691
35,909
-26,678
-254
-2,660
-14,948
52,797
-700,041
Investing Activities
capital expenditure
Change in Investments
cash flow from investments
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
700,500
interest
3,409
2,133
469
64
45
206
114
90
187
230
135
1
cash flow from financing
3,409
2,133
469
64
45
206
114
90
187
230
135
700,501
cash and cash equivalents
cash
14,398
15,052
-39,805
37,536
-645
36,115
-26,565
-164
-2,473
-14,718
52,932
460
overdraft
change in cash
14,398
15,052
-39,805
37,536
-645
36,115
-26,565
-164
-2,473
-14,718
52,932
460
fairloan limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for fairloan limited. Get real-time insights into fairloan limited's credit score, group structure and payment trends.
Perform a competitor analysis for fairloan limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in CO9 area or any other competitors across 12 key performance metrics.
fairloan limited Ownership
FAIRLOAN LIMITED group structure
Fairloan Limited has no subsidiary companies.
Ultimate parent company
FAIRLOAN LIMITED
08135650
FAIRLOAN LIMITED Shareholders
The sole shareholder of Fairloan Limited is Joseph Owen Fairs.
joseph owen fairs
100%
fairloan limited directors
Fairloan Limited currently has 3 directors.
The longest serving directors include
Mrs Elisabeth Fairs (Jul 2012) and
Mr Alan Fairs (Jul 2012).
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
July 2012
age
13
incorporated
UK
ultimate parent company
None
accounts
Total Exemption Full
last accounts submitted
March 2024
previous names
N/A
accountant
-
auditor
-
address
kemps cottage north end road, gestingthorpe, halstead, essex, CO9 3BN
Bank
-
Legal Advisor
-
fairloan limited Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We did not find charges/mortgages relating to fairloan limited.
fairloan limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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fairloan limitedCompanies House Filings - See Documents
